| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COMMUNITY INSURANCE COMPANY | $8K | $887 | $9K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $450 | $2K | 7.43% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $76 | $1K | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $139 | $3K | 16.98% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $928 | — | $928 | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $283 | $2K | 17.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 EAST MONUMENT AVENUE SUITE 400 DAYTON, OH 45402 | UNUM LIFE INSUANCE COMPANY OF AMERICA | $632 | $47 | $679 | 11.66% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSUANCE COMPANY OF AMERICA | $316 | — | $316 | 5.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 37 DAYTON, OH 45401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $139 | — | $139 | 6.59% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 34 | $268K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 46 | $22K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 46 | $22K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $23K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.